Retention champions in Pennsylvania in 2024, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Dayna Horwitz (MortgageCountry, LLC, NMLS #2007537), Kumar Bhargava Sista (The Mortgageist Inc., NMLS #2369551), and Jeremy Durkin (CrossCountry Mortgage, LLC, NMLS #146467).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Dayna Horwitz | 2007537 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $9.4M | 20 | 87.0% |
| #2 | Kumar Bhargava Sista | 2369551 | The Mortgageist Inc. | 2710734 | Exton, PA | $8.8M | 16 | 76.2% |
| #3 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $8.1M | 15 | 24.6% |
| #4 | Matthew Mergo | 563819 | Forest Hills Mortgage, LLC | 1982611 | Neptune Beach, FL | $6.9M | 15 | 68.2% |
| #5 | Mark Pontz | 33151 | loanDepot.com, LLC | 174457 | Lancaster, PA | $5.1M | 6 | 42.9% |
| #6 | James Mason | 175106 | MDE Home Loans, LLC | 174912 | Red Bank, NJ | $4.9M | 8 | 32.0% |
| #7 | John Madden | 960748 | Capital Funding Mortgage Associates Inc | 960139 | Newtown, PA | $4.7M | 11 | 64.7% |
| #8 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $4.7M | 10 | 45.5% |
| #9 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.6M | 9 | 33.3% |
| #10 | Jeffrey Angelucci | 134092 | Guaranteed Rate, Inc. | 2611 | Philadelphia, PA | $4.4M | 9 | 39.1% |
| #11 | Jesse Gold | 1509916 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $4.2M | 11 | 78.6% |
| #12 | Kevin O'Laughlin | 1289348 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $3.9M | 12 | 40.0% |
| #13 | Nicholas DeJesus | 1541748 | Planet Home Lending, LLC | 17022 | Bethlehem, PA | $3.9M | 16 | 72.7% |
| #14 | Robert Wilson | 1309775 | Wilson Home Mortgage Corporation | 1769898 | Oakdale, PA | $3.9M | 11 | 78.6% |
| #15 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.6M | 9 | 47.4% |
| #16 | Kevin Downs | 141106 | Movement Mortgage, LLC | 39179 | York, PA | $3.4M | 12 | 52.2% |
| #17 | Andrew Klimenko | 145807 | Lending Capital Group Inc | 1680087 | Huntingdon Valley, PA | $3.2M | 7 | 33.3% |
| #18 | Brian McCarthy | 1768807 | Union Home Mortgage Corp. | 2229 | Doylestown, PA | $3.1M | 9 | 52.9% |
| #19 | Steve Matthews | 98657 | Keegan Mortgage Corporation | 55815 | Oreland, PA | $3.0M | 6 | 40.0% |
| #20 | Kevin Luchko | 409737 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $3.0M | 6 | 40.0% |
| #21 | Victoria Kammer | 414039 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $3.0M | 6 | 35.3% |
| #22 | Jeffrey Mountain | 1208144 | Movement Mortgage, LLC | 39179 | Sharpsburg, PA | $3.0M | 12 | 50.0% |
| #23 | Joseph Hussey | 461747 | The Hussey Team, LLC | 1817389 | Conshohocken, PA | $3.0M | 9 | 60.0% |
| #24 | Erich Earhart | 143990 | Union Home Mortgage Corp. | 2229 | Royersford, PA | $2.8M | 10 | 58.8% |
| #25 | Kyle Sutera | 1390366 | CrossCountry Mortgage, LLC | 3029 | West Chester, PA | $2.8M | 7 | 28.0% |
| #26 | Kyle Kelly | 1065549 | Guaranteed Rate, Inc. | 2611 | Philadelphia, PA | $2.8M | 6 | 54.5% |
| #27 | Timothy Gray | 141403 | Princeton Financial, LLC | 127923 | Carnegie, PA | $2.8M | 8 | 66.7% |
| #28 | Jason Breidinger | 1020123 | Mortgage America, Inc. | 128501 | Harrisburg, PA | $2.7M | 12 | 24.5% |
| #29 | Thomas Reynolds | 806890 | Police and Fire Federal Credit Union | 800659 | Bensalem, PA | $2.7M | 5 | 23.8% |
| #30 | Christopher Karshin | 615647 | Fulton Bank, National Association | 485401 | Lancaster, PA | $2.7M | 7 | 70.0% |
| #31 | David Marciniak | 134739 | Pinnacle Mortgage, Inc. | 132559 | Malvern, PA | $2.7M | 5 | 41.7% |
| #32 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.6M | 9 | 33.3% |
| #33 | Joseph Hallinan | 13068 | Wilmington Savings Fund Society, FSB | 417673 | Bryn Mawr, PA | $2.6M | 6 | 50.0% |
| #34 | John Antonelli | 132711 | Vantage Point Financial Group, Inc. | 141899 | Penllyn, PA | $2.4M | 6 | 20.0% |
| #35 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $2.3M | 11 | 68.8% |
| #36 | Lonnie Cooper | 24432 | The Rate Kings Mortgage LLC | 205171 | West Chester, PA | $2.3M | 6 | 33.3% |
| #37 | Francis McGuckin | 1702934 | Traditional Mortgage LLC | 1563424 | Allentown, PA | $2.3M | 5 | 33.3% |
| #38 | Adam Slade | 132916 | US Mortgage Network | 132492 | Wexford, PA | $2.3M | 8 | 47.1% |
| #39 | Jeffrey Giglio | 939521 | CrossCountry Mortgage, LLC | 3029 | Conshohocken, PA | $2.2M | 8 | 61.5% |
| #40 | Frederick Lahm | 205717 | Princeton Mortgage Corporation | 113856 | Ewing, NJ | $2.2M | 7 | 58.3% |
| #41 | John Fleig | 139867 | Success Mortgage Partners, Inc. | 130562 | Maple Glen, PA | $2.1M | 6 | 37.5% |
| #42 | Justin Bailey | 141050 | First Colony Mortgage Corporation | 3112 | Conshohocken, PA | $2.1M | 7 | 53.8% |
| #43 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.1M | 9 | 37.5% |
| #44 | Gerard Manzi | 133473 | Manzi Mortgage Group LLC | 2350691 | Newtown Square, PA | $2.1M | 4 | 28.6% |
| #45 | Thomas Howell | 139130 | Marathon Mortgage Services Inc. | 131421 | Erdenheim, PA | $2.1M | 5 | 31.3% |
| #46 | Nichol Downey | 1186695 | RMC Home Mortgage, LLC | 2116211 | Wexford, PA | $2.1M | 5 | 15.2% |
| #47 | Traci Multari | 146435 | JLB Corporation | 114937 | Cranberry Township, PA | $2.1M | 8 | 66.7% |
| #48 | Ian Twaddle | 145888 | UMortgage LLC | 1457759 | Philadelphia, PA | $2.1M | 5 | 19.2% |
| #49 | Michael Izzi | 24765 | T2 Financial LLC | 1686046 | Exton, PA | $2.1M | 5 | 33.3% |
| #50 | Daniel Williamson | 134226 | Community Mortgage LLC | 104656 | Mount Airy, MD | $2.1M | 8 | 61.5% |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Retention Champions by Volume — Pennsylvania (2024). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-volume/2024
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